You cannot simplify your financial lifestyle over night. It takes time, effort, and discipline to design your desired financial lifestyle. One key to simplifying your personal finances is to SAVE. You can save for retirement, education, a new car, a new house, emergency or whatever you desire. But just saying I want to save more does not always help. You need to take some action to save more. I will admit I am guilty of this also. I always want to save more but I many times don’t take the necessary action to do.

In this week’s Edition of Simple Weekend Reading I will offer you some post that I have found that can help you save more:

Money Crashers explains why Now Is The Best Time To Start Saving For Big Purchases. Be proactive and plan ahead. Its much easier to save that way.

PT Money offers What’s Your Best Way to Save Money? These few simple ways can go a long way to help you save money.

Passive Family Income provides 9 Simple Ways to Save Money

Financially Poor provides 5 Money Saving Tips for the 21st Century

Financial Highway offers 5 Extreme Ways to go Frugal and Save

Moolanomy provides 7 Sites To Help You Save Money And Live Your Lifestyle

Monevator details 101 Ways to Save Money I am sure you can implement at least 1 or 2 of these to help you save money.

OTHER NOTABLES

This week’s post at Own the Dollar listed The Top 30 Personal Finance Bloggers to Follow on Twitter. Its a great list. I am included in the list also so check it out.

This week Budget in the Fun Stuff hosted this week’s Carnival of Personal Finance #272 Yogi Bear Edition

If you enjoy what you’re reading and want to stay up to date on the latest posts please make sure you follow me on Twitter and subscribe to my RSS feed. If you are serious about simplifying your personal finances also subscribe to SIMPLE FINANCIAL LIFESTYLE NEWSLETTER.

Saving is a key component to living a simple financial lifestyle. In this week’s post 10 Simple Ways to Save without cutting coupons, I discuss ways you can save this year. In this week’s edition of Simple Weekend Reading Roundup it features some additional articles I have read that I believe can also help you save additional money this year:

Free from Broke offers Savings Goals In The New Year And Beyond which discusses how setting savings goals can go a long way to help you save more.

My Super Charged Life offers Barriers to Mindful Health: The Obstacles to Overcome, which will help you overcome those barriers that prevent you from saving.

Studenomics offers How-to Save Some Serious Money in 2010 & Going Forward, which provides four simple tips to help you save now and in the future.

Moneyning offers 10 Dates To Remember That Will Save You Money, which provides you with some important dates that will help you save throughout the year.

Fiscal Fizzle offers 5 Good Reasons Not To Save Money, which discusses situations when you should not save.

If you would like learn more tips to help you simplify your personal finances make sure you subscribe to simple financial lifestyle email newsletter and subscribe to RSS feed for blog updates.

Is saving more money one of your New Year’s resolutions. Saving is key to helping you live a simple financial lifestyle. You want to have save for retirement, emergency fund or any other reason. But many times we find it difficult to save. We all have a difficult time finding ways to save money. You probably have thought maybe if I cut coupons I can save some money. Yes, you can save money by cutting coupons but do you want to spend time cutting and sorting to save money. I know I do not enjoy cutting coupons. Most of the time if I have a coupon I forget to use it or if I do remember its expired. So I really do not want to waste my time cutting coupon when I don’t even use them.

Here are 10 ways to save as well as simplify your personal financial lifestyle in 2010 without cutting coupons:

Set a yearly savings goals. In order to save you should have an annual savings goal.  This way you have something to shot for.  Instead of randomly saying I want to save without having a specific amount to save.  An easy way to do this is to set a monthly goal which will help you reach your annual goal.

Establish a budget to prevent you from overspending. If you have a budget it enables you to save because you are monitoring your spending.

Automate your savings to help you save. If you automate your saving you will not have to remember at the beginning or end of the month to set a side a specific amount.  It will already be done without you having to do anything but set the amount you want to save monthly.

Review your cell phone, cable and utility bills. Look to see if you can save by eliminating services that you do not use or look for less expensive plan that fits your needs.  Do you really use all of those minutes in your plan or do you even watch all of the channels with your cable service.

Review your monthly banking charges. Look to see if you are being charged monthly service fees on your banking or have unnecessary non-bank ATM charges.  Eliminating these simple charges will help you save.

Review your current mortgage payment. Look to see if you should possibly refinance your mortgage to lower your monthly payment to save money.  Here are seven things to consider before you consider refinancing. Consider a tax free exchange when selling a property.

Review your credit card interest rate. Look to see what interest rate your credit cards are charging you.  See if its possible to have your interest rate lowered to save.  Also check to see if you are charged an annual fee.  Lowering the interest rate and eliminating any fees will help you save.

Eliminate debt. Paying off your credit cards and any other debt you have will eliminate interest charges as well as free up your monthly cashflow.

Review your monthly memberships and subscriptions.  Are you paying for monthly memberships you are not even using or have monthly subscriptions you can eliminate to help you save.
Review your insurance premiums. Look at your auto and home insurance to see if you can reduce the annual cost not the coverage to save this year.

How do you plan to save more in 2010 without cutting coupons?

Action Step
Review this list of saving tips and look to see what tips you can apply to save.   If you have not set a saving goal or put a budget in place do this now.  These two simple tips will go a long way in helping you save in 2010.

Remember take one step at a time to begin to live a simple financial lifestyle.

If you would like learn more tips to help you simplify your personal finances make sure you subscribe to simple financial lifestyle email newsletter and subscribe to RSS feed for blog updates.

We all know that saving money is important to our financial future. We need to save for retirement, need to save for emergencies, need to save for your child’s education, as well as for that new car or new house purchase.

However, many of us find it difficult to save. There is always something else that seems to be more important that prevents us from saving. To help you begin to save I wanted to share with you the secret formula to saving. Whatever your goal is retirement, new car, or new house. This secret formula will help you get there.

Secret #1 Budget for it – if you want to save a specific amount budget for it on a monthly basis. This way it has already been accounted and there is no need to hope you have money left at the end of the month to save.

Secret #2 Always pay your self first – by doing this there are no more excuses such as I didn’t have any money left at the end of the month to save. Do it first before all other expenses are paid.

Secret #3 Automate the saving process – have a certain amount automatically deducted from your pay check or from your bank account monthly preferably at the first of the month. This way it is done without you having to remember to do it.

Secret #4 Set a goal – by setting a goal you have a specific amount to aim for. Once your goal is set break it down into monthly or quarterly goals so you can measure your progress.

Secret #5 Stop impulse buying – in order to begin saving stop those impulse purchases. If you did not budget for it don’t buy it.

Now you have the secret formula, its now time to take some action by implementing these 5 secrets so you can reach your short-term and long-term saving goals. By implementing these saving secrets you will be on your way to creating a simplified financial lifestyle. I am sure you know someone who could benefit from these secrets so make sure you share the secret formula with them.